State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 5.61 percentage points higher than in Q1 2026, at 5.61%. Within Indiana, State Bank is 47th of 87 on return on assets, 1.07% as of Q2 2026. State Bank reported 1.07% on return on assets for Q2 2026, 0.18 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.90% |
| Equity capital to assets | 10.97% |
| Tangible equity to tangible assets | 10.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 1118.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 10.71% |
| Net interest margin | 3.94% |
| Efficiency ratio | 64.93% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.89% |
| Core deposits to total deposits | 87.07% |
| Brokered deposits to total deposits | 5.61% |
| Deposits to assets | 83.41% |
| Securities to assets | 9.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 10.42% | 11.61% | 8.77% | 0.77% |
| Q4 2023 | 11.05% | 11.05% | 12.32% | 8.72% | 1.10% |
| Q1 2024 | 10.47% | 10.47% | 11.71% | 8.80% | 0.66% |
| Q2 2024 | 10.21% | 10.21% | 11.42% | 8.70% | 0.59% |
| Q3 2024 | 10.44% | 10.44% | 11.67% | 8.75% | 0.68% |
| Q4 2024 | 10.22% | 10.22% | 11.41% | 8.96% | 0.98% |
| Q1 2025 | 10.30% | 10.30% | 11.56% | 9.14% | 0.84% |
| Q2 2025 | 10.49% | 10.49% | 11.74% | 9.17% | 0.96% |
| Q3 2025 | — | — | — | 9.25% | 1.08% |
| Q4 2025 | — | — | — | 9.13% | 0.93% |
| Q1 2026 | — | — | — | 9.49% | 1.07% |
| Q2 2026 | — | — | — | 11.90% | 1.07% |
State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1833) · FFIEC NIC profile (RSSD 345747)